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Cash loan: fast liquidity when it counts.

When an expense can't wait, a cash loan creates room to breathe. You receive the amount in your account — freely usable, with a fixed monthly installment and no hidden costs.

  • Freely available in your account — no restrictions
  • Fixed rate: the same every month
  • Consolidate existing loans from other providers at the same time
Loan Calculator
CHF 30'000
3'000450'000
84
Monthly installment
442.15
CHF pro Monat

Do you have outstanding debt collection proceedings or loss certificates? *

Granting a loan is prohibited if it leads to over-indebtedness (Art. 3 of the Swiss Federal Act against Unfair Competition (UWG)).

Terms at a glance

As of July 2026
Loan amountCHF 3'000 – 450'000
Term6 – 84 months
Effective annual interest rate4.9% – 9.95%
UseFree — car, holiday home, furniture, or simply as a reserve
PayoutAfter the legal 14-day period, directly to your account
Early repaymentPossible at any time — interest only for the actual term

The honest comparison

Cash loan or credit card?

A credit card is handy in an emergency — but expensive as an ongoing source of credit.

Cash loanCredit card
Effective annual interest rate4.9% – 9.95%Installment payment often at the maximum interest rate
RepaymentFixed monthly installment, clearly limitedMinimum payment, debt lingers
AmountCHF 3'000 – 450'000Usually just a few thousand
Cost overviewTransparent from the startInterest adds up unnoticed

Expensive card debt? Refinance credit card debt

How it works

Three steps to your cash.

1

Calculate your rate

Choose the amount and term in the calculator — your monthly installment appears right away, with no obligation.

30 seconds
2

Decision in 24 h

We review the application and compare offers from our partner banks.

24 hours
3

Receive the money

After the 14-day period, the amount is transferred to your account.

after 14 days

Frequently asked questions

About the cash loan.

What can I use the personal loan for?
Anything — the personal loan isn't earmarked for a specific purpose. Car, furniture, renovation, moving, further education, or paying off expensive loans: you don't have to prove a purpose.
How high is the interest rate?
The effective annual interest rate ranges between 4.9% and 9.95%, depending on creditworthiness and lender. You'll see, without obligation, which rate applies to you along with the decision. In the loan calculator you can run through all the tiers.
What's the difference between a cash loan and an overdraft?
An overdraft lets you temporarily overdraw your account and is usually significantly more expensive. A cash loan has a fixed amount, a fixed term, and a predictable installment — cheaper for anything that lasts longer than a few days.
How long does it take from the request to the money in the account?
In the best case, 16 days: 1 day for review and decision, 1 day for signing the contract, 14 days for the statutory right of withdrawal. The transfer is made the day after the period expires. For loans over CHF 80'000, the right of withdrawal doesn't apply — the payout can happen faster.
Why is it called a "cash loan" if the money is transferred to my account?
The term is historical. You receive the money as a transfer to your bank or postal account — freely available.
Can I use the cash loan to pay off other loans?
Yes. You can consolidate existing loans from other providers — one installment instead of several, often at a lower overall interest rate.

Fast liquidity — applied for in minutes.

Apply in 2 minutes — free, non-binding, and discreet.

Apply for a cash loan+41 43 355 99 44WhatsApp